THE LEGALSHIELD MEMBERSHIP

• Dedicated Law Firm Direct access, no call center

• Legal Advice/Consultation On unlimited personal issues

• Letters/Calls made on your behalf

• Contracts/Documents Reviewed Up to 15 pages

• Residential Loan Document Assistance For the purchase of your primary residence

• Will Preparation - Living Will, Health Care Power of Attorney, Financial Power of Attorney

• Speeding Ticket Assistance Upload your speeding ticket from the mobile app directly to la

• IRS Audit Assistance (Begins with the tax return due April 15th of the year you

• Trial Defense (If named defendant/respondent in a covered civil action suit)

• Uncontested Divorce, Separation, Adoption and/or

• Name Change Representation (Available 90 days after enrollment)

• 25% Preferred Member Discount (Bankruptcy, criminal charges, DUI, personal injury, etc.)

• 24/7 Emergency Access For covered situations

The Idshield Membership

• Credit Monitoring Continuous credit monitoring through TransUnion

• Online Privacy Management IDShield provides consultation and guidance on ways participants can protect their privacy and personally identifiable information across the internet and on their smart devices.

• NEW! Reputation Management & Score Scans social media accounts for existing content that could be damaging to participants’ online reputations. Ranks your online reputation risk by giving you a score based off the content found on your social media accounts.

• Financial Account Monitoring Accounts monitored include checking, savings, employer 401k accounts, loans, and more.

• $1 Million Protection Policy Coverage for lost wages, legal defense fees, stolen funds, and more.

• Unlimited Service Guarantee Ensures that we won’t give up until your identity is restored!

• Identity Restoration Performed by Licensed Private Investigators to restore your identity to its pre-theft status.

• 24/7 Emergency Access In the event of an identity theft emergency.

Helpful Contacts

The Strategic Benefits team is here to help you make the most of your employee benefits package. Please refer to this list when you need to contact one of your benefit vendors. For general information, contact your Human Resources Department or our Strategic Benefits team.

Key Terms To Remember

Plan Year

Refers to the timeframe of January 1 through December 31.

Calendar Year

Refers to the timeframe of January 1 through December 31.

Annual Deductible

Your annual deductible is the amount you must pay each period before the plan starts paying a portion of medical expenses. Some services may require copays and do not apply to the deductible.

Copays and Coinsurance

These expenses are your share of cost paid for covered services. Copays are a fixed dollar amount and are due at the time you receive care. Coinsurance is the percentage of covered expenses shared by you and the plan. In some cases, coinsurance is paid after the deductible has been met.

Out-of-Pocket Maximum

This is the total amount you can pay out of pocket each plan year before the plan pays 100% of expenses for the rest of the plan year. Most expenses that meet provider network requirements count toward the annual out-of-pocket maximum, including expenses paid to the deductible.